Tighter financial regulation

Photo: Julian Dufort

Brooksley Born

Former chairperson, Commodity Futures Trading Commission

“Never sign a financial document until you’ve read and understood it, including the fine print. Banks and other institutions may be obligated to disclose terms of their agreement with you, but if you’re not reading it and understanding it, that’s your problem, not theirs.”

Inexpensive indexing

Money skills for teenagers

Photo: Ryan Kurtz

Brian Page

High school personal finance and economics teacher

“Teenagers face tough financial choices when something they want right now is at their fingertips, but something they value the most is years away. You have to teach them how to make financial decisions that are consistent with their values.”